Civic Intelligence

Workers Federal Credit Union Fka

990 • Fiscal year 2014 • EIN 04-2079901

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 13, 2015

Organization Profilewww.wcu.com

View Organization Page

815 Main StreetFitchburg, MA 01420-0900

(978) 345-1021

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

18th percentile

0.88x

Higher debt load relative to assets than 18% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Liabilities / Revenue

32nd percentile

17.97x

Higher debt load relative to revenue than 32% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Net Margin

57th percentile

21%

Higher net margin than 57% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Top Officer Pay

23rd percentile

$528,157

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Asset Growth

83rd percentile

11%

Faster asset growth than 83% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Revenue Growth

88th percentile

11%

Faster revenue growth than 88% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$1,151,137,509

Up $113,132,416 (+11%) from 2013

Net Assets

Up

$141,753,152

Up $14,210,363 (+11%) from 2013

Liabilities

Up

$1,009,384,357

Up $98,922,053 (+11%) from 2013

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin57th percentile

Revenue

Up

$56,169,788

Up $5,658,367 (+11%) from 2013

Expenses

Up

$44,113,011

Up $2,571,334 (+6.2%) from 2013

Net Income

Up

$12,056,777

Up $3,087,033 (+34%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$2.0B$1.5B$1.0B$500M$0Assets 2010: $799,246,251Liabilities 2010: $697,971,052Net Assets 2010: $101,275,1992010Assets 2011: $830,608,787Liabilities 2011: $719,301,118Net Assets 2011: $111,307,6692011Assets 2012: $913,270,562Liabilities 2012: $791,518,870Net Assets 2012: $121,751,6922012Assets 2013: $1,038,005,093Liabilities 2013: $910,462,304Net Assets 2013: $127,542,7892013Assets 2014: $1,151,137,509Liabilities 2014: $1,009,384,357Net Assets 2014: $141,753,1522014Assets 2015: $1,312,153,172Liabilities 2015: $1,158,779,923Net Assets 2015: $153,373,2492015Assets 2016: $1,501,397,830Liabilities 2016: $1,340,526,709Net Assets 2016: $160,871,1212016Assets 2017: $1,635,615,637Liabilities 2017: $1,467,264,443Net Assets 2017: $168,351,1942017Assets 2018: $1,797,705,514Liabilities 2018: $1,620,462,731Net Assets 2018: $177,242,7832018Assets 2019: $1,871,285,750Liabilities 2019: $1,674,258,519Net Assets 2019: $197,027,2312019Assets 2020: $1,995,827,980Liabilities 2020: $1,783,773,541Net Assets 2020: $212,054,4392020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2014

Assets$1,151,137,509
Liabilities$1,009,384,357
Net Assets$141,753,152
Open 2014 Filing

Operations Trend

Revenue Growth88th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100M$50M$0Expenses 2010: $39,015,2932010Expenses 2011: $37,769,7952011Expenses 2012: $38,381,0492012Revenue 2013: $50,511,421Expenses 2013: $41,541,677Net Income 2013: $8,969,7442013Revenue 2014: $56,169,788Expenses 2014: $44,113,011Net Income 2014: $12,056,7772014Revenue 2015: $63,915,965Expenses 2015: $50,184,443Net Income 2015: $13,731,5222015Revenue 2016: $72,113,303Expenses 2016: $61,498,176Net Income 2016: $10,615,1272016Revenue 2017: $77,870,168Expenses 2017: $72,576,334Net Income 2017: $5,293,8342017Revenue 2018: $87,508,229Expenses 2018: $71,395,261Net Income 2018: $16,112,9682018Revenue 2019: $94,853,020Expenses 2019: $78,934,216Net Income 2019: $15,918,8042019Revenue 2020: $93,796,292Expenses 2020: $86,973,420Net Income 2020: $6,822,8722020Revenue 2021: $1,210,709Expenses 2021: $1,171,561Net Income 2021: $39,1482021

Highlighted filing

2014

Revenue$56,169,788
Expenses$44,113,011
Net Income$12,056,777
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 13, 2015
Return Version
2014v5.0
Gross Receipts
$56,169,788
Mission and Program Overview

Mission

The organization is a state chartered credit union that serves members who live or work in massachusetts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$742,122,702$821,876,771▲ $79,754,069
Investments in Publicly Traded Securities$247,279,049$281,836,041▲ $34,556,992
Rtn Earn Endowment Incm Other Fnds$119,241,386$133,451,749▲ $14,210,363
Cash and Non-Interest-Bearing Accounts$16,182,844$13,128,105▼ $3,054,739
Land, Buildings, and Equipment, Net$8,016,622$11,336,471▲ $3,319,849
Prepaid Expenses and Deferred Charges$9,809,364$9,570,434▼ $238,930
Pd in Cap Srpls Land Bldg Eqp Fund$8,301,403$8,301,403→ $0
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$1,038,005,093$1,151,137,509▲ $113,132,416
Other Assets Total$14,594,512$13,389,687▼ $1,204,825
Liabilities
Other Liabilities$910,462,304$1,009,384,357▲ $98,922,053
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$910,462,304$1,009,384,357▲ $98,922,053
Net Assets / Fund Balance
Total Net Assets Fund Balance$127,542,789$141,753,152▲ $14,210,363
Total Liabilities and Net Assets / Fund Balance$1,038,005,093$1,151,137,509▲ $113,132,416

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$5,353,482$8,120,468$13,473,950
Buildings$4,566,833$7,873,462$12,440,295
Land$1,368,902-$1,368,902
Leasehold Improvements$47,254$579,695$626,949
Compensation and Service Providers
Top Officer Pay23rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Douglas J PetersenPresident/CEOFT$512,919$15,238$528,157
Frederick D Healeyformer PRESIDENT/CEO-$490,000$490,000$490,000
Mark FantasiaVP Insurance & InvestmentFT$305,724$16,335$322,059
David EarlsRegistered Ins & Inv RepFT$304,696$14,947$319,643
J Timothy SmithSVP - CFO & TreasurerFT$212,218$45,223$257,441
William MullinSVP Bus Banking & Comm lendingFT$188,179$39,287$227,466
Thomas J GraySVP of LendingFT$179,399$16,674$196,073
John M DOOLINSVP of HUMAN RESOURCESFT$174,364$17,659$192,023
John C Doyle JrSVP of Retail ServicesFT$164,928$13,582$178,510
Gordon R WetmoreSVP of MarketingFT$165,028$12,252$177,280
Robert P GalloAVP Commercial LendingFT$142,799$33,149$175,948
Michael J DembowskiSVP of Oper, Tech & ComplianceFT$156,650$12,706$169,356
Catherine GoodallController/assistant TreasurerFT$123,055$29,728$152,783
Richard H RogersVP Chief Risk OfficerFT$136,477$7,141$143,618
Linda A LagoyVP, Regional ManagerFT$123,804$9,544$133,348
Robert J RemillardVP/Sales ManagerFT$121,589$10,782$132,371
David ThibodeauVP/Information TechnologyFT$116,053$12,854$128,907
Paula A SimoneauAVP OperationFT$117,634$6,657$124,291
Brieanna L KelleySr. Mortgage OriginatorFT$114,860$6,382$121,242
Linda JacksonAvp, Training ManagerFT$111,070$7,422$118,492
Jayne D MatthewsVP Mortgage Lending ManagerFT$100,735$9,626$110,361
James E RouseChairman-$1,580-$1,580
Marina M RaherDirector/Audit comm chair-$1,040-$1,040
John S Forddirector-$1,001-$1,001

Board Members and Trustees

NameTitle
Eric D Shapirovice chairman
John MorseCLERK/Director
Donata J MartinDirector
Erica LightDirector
Melissa FetterhoffDirector
Raymond J MartinoDirector
Wilho MyllymakiDirector
Mary HeafyDirector/assistant clerk

Highest Paid Contractors

ContractorServicesLocationCompensation
cocctechnology solutions100 executive blvd, Southington, CT 06489$1,435,950
Bennett Building cocontruction12 main street 2nd floor, Leominster, MA 01453$970,480
FIS Accounting Depttechnology solutionspo box 4535, Carol Stream, IL 60197$649,730
Digital Insighttechnology solutionspo box 515306, Los Angeles, CA 90051$399,561
Smith JonesMarketing76 Main Street, Sturbridge, MA 01566$375,032
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$49,306,163
Investment Income
$6,820,081
Other Revenue
$43,544
Change in Net Assets
$12,056,777

Audited Revenue Reconciliation

Revenue per Audited Statements
$56,126,244
Revenue Not Reported on Financial Statements
$43,544
Revenue Not Reported on Form 990
$2,153,586
Other Revenue Adjustments
$43,544
Total Revenue per Audited Statements
$58,279,830
Total Revenue per Form 990
$56,169,788
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,826,430
Salaries, Compensation, and Employee Benefits$18,286,581
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,159,466
Interest---$9,015,848
Information Technology---$3,001,698
Office Expenses---$2,752,264
Current Officers, Directors, Trustees, and Key Employees---$2,722,759
Other Employee Benefits---$2,090,079
Advertising---$1,701,120
Depreciation Depletion---$1,511,030
Occupancy---$1,331,163
Pension Plan Contributions---$1,202,549
Payroll Taxes---$1,111,728
Fees for Services Other---$920,512
Fees for Services Legal---$555,059
Conferences and Meetings---$300,948
Fees for Services Accounting---$152,070
Travel---$92,173
Other Expenses---$69,605
All Other Expenses---$23,021
Total Functional Expenses$0$0$0$44,113,011

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$44,156,555
Expenses per Audited Statements$44,113,011
Total Expenses per Form 990$44,113,011
Expenses Not Reported on Form 990$43,544
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share and Deposit Accounts$762,671,494
Long Term Debt$237,527,500
Other Liabilities$6,185,363
Short Term Borrowings$3,000,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

PAGE 6, PART VI, SECTION A, LINES 6, 7A & 7B - Members

“Line 6 - Workers' Credit Union is a state-chartered community credit union. Our field of membership allows us to accept members who either reside in Massachusetts or work for a company that is based in Massachusetts. Line 7a and 7b - The members vote for the board of directors at the annual meeting and on all business brought before the members.”

PAGE 6, PART VI, SECTION B, LINE 11A - Review of Form 990

“The board of directors has delegated the responsibility of reviewing the form 990 to the CEO and CFO. The form 990 is made available to any board member who requests it.”

PAGE 6, PART VI, SECTION B, LINEs 12A, B & C - Conflict of interest policy

“There is a written conflict of interest policy for all board members and all employees. All employees and board members are required to sign off on a code of conduct policy annually which addresses conflicts of interest. The board reviews all conflicts to assure that all conflicts are resolved.”

PAGE 6, PART VI, SECTION B, LINES 15A & 15B - Officer Compensation

“The board reviews and approves the employment contract of the CEO annually. The board uses comparables with other like financial institutions along with job performance factors to determine compensation.”

PAGE 6, PART VI, SECTION C, LINE 19 - Public documents

“The Credit Union makes available all governing documents and form 990 to anyone who asks for it. a copy of the statement of condition is posted in all banking lobbies annually.”

PAGE 6, PART VI, SECTION B, LINEs 16A & 16B - Joint Ventures

“The Credit Union has invested in several joint ventures. These CUSOs are approved for investing only after careful review of the economics and how the investment will help the Credit Union deliver more financial services to its members. Please refer to Schedule R for details.”

Filing and Contact Details

Filer

Filer Name
Workers' Credit Union
EIN
04-2079901
In Care Of
% WORKERS CREDIT UNION
Phone
9783451021
Address
815 Main Street, Fitchburg, MA 01420-0900

Signing Officer

Name
J Timothy Smith
Title
SVP/CFO/treasurer
Phone
9783451021
Signed
2015-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Douglas Petersen
Formed
1914
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
285
Volunteers
11

Preparer

Firm
Wolf & Company Pc
Address
99 HIGH STREET 21ST FLOOR, BOSTON, MA 02110
Preparer
Michael J Rowe CPA
Phone
6174399700
Supplemental Narrative

Financial Statement Notes

Schedule D Part XII Line 4B

“$43,544 of rental income was reclassified to income from expense.”

Schedule D Page 4 Part XII Line 2D

“$43,544 of rental income was reclassified to income from expense.”

SCHEDULE D, PAGE 3, PART X, LINE 2 - Uncertain Tax Positions

“The Credit Union is exempt, by statute, from federal taxes on income related to the exempt purpose of the Credit Union. Tax positions taken or expected to be taken, including the position that the Credit Union qualifies as a tax exempt entity, are required to be evaluated to determine whether the tax positions are "more-likely-than-not" to be upheld under regulatory review. Tax positions not deemed to meet the more-likely-than-not threshold would be accrued and disclosed in the consolidated financial statements. There are no uncertain tax positions that require accrual or disclosure at December 31, 2014 or 2013.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm7Melissa Fetterhoff
IRS990/Form990PartVIISectionAGrp/PersonNm8Erica Light
IRS990/Form990PartVIISectionAGrp/PersonNm9Mary Heafy
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CONTROLLER/ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP - CFO & Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt14AVP, TRAINING MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP of HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP of Oper, Tech & Compliance
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP of Retail Services
IRS990/Form990PartVIISectionAGrp/TitleTxt18AVP Commercial Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP of Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP of Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP, Regional Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP Chief Risk Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP/Sales Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP/Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt25SVP Bus Banking & Comm lending
IRS990/Form990PartVIISectionAGrp/TitleTxt26REGISTERED INS & INV REP
IRS990/Form990PartVIISectionAGrp/TitleTxt27VP INSURANCE & INVESTMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt28AVP Operation
IRS990/Form990PartVIISectionAGrp/TitleTxt29Sr. Mortgage Originator
IRS990/Form990PartVIISectionAGrp/TitleTxt30VP Mortgage Lending Manager
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,151,137,509
Liabilities
$1,009,384,357
Net assets
$141,753,152
Revenue
$56,169,788
Expenses
$44,113,011
Net income
$12,056,777
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.00$0.00$0.00$1.21$1.17$0.04
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,996$1,784$212$93.8$87.0$6.82
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,871$1,674$197$94.9$78.9$15.9
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,798$1,620$177$87.5$71.4$16.1
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,636$1,467$168$77.9$72.6$5.29
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,501$1,341$161$72.1$61.5$10.6
2015Detailed filing. Detailed filing data is available for this year.$1,312$1,159$153$63.9$50.2$13.7
2014Detailed filing. Detailed filing data is available for this year.$1,151$1,009$142$56.2$44.1$12.1
2013Detailed filing. Detailed filing data is available for this year.$1,038$910$128$50.5$41.5$8.97
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$913$792$122$38.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$831$719$111$37.8
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$799$698$101$39.0